Buy the Cheapest Calverton Auto Insurance

Paying for high-priced auto insurance can dwindle your bank account and make it hard to pay other bills. Comparison shopping is a smart way to make sure you're not throwing money away.

Insurance companies such as GEICO and Progressive constantly blast consumers with fancy advertisements and it can be hard to sift through the bull and find the best price available.

It's important to shop coverage around quite often because prices are constantly changing. Even if you got the lowest rates a year ago the chances are good that you can find a lower rate today. Starting now, ignore everything you know about auto insurance because you're going to get a crash course in the tricks you need to know to find better rates and still maintain coverage.

Save big with these discounts

Car insurance is not cheap, buy you may qualify for discounts that many people don't even know exist. Certain discounts will be applied at quote time, but lesser-known reductions have to be specifically requested in order for you to get them.

  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Resident Student - Children who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Multi-policy Discount - When you combine your home and auto insurance with the same company you could get a discount of 10% to 20% off each policy.
  • Claim Free - Drivers who don't have accidents can save substantially compared to bad drivers.
  • E-sign - Some insurance companies may give you up to $50 for buying your policy digitally online.
  • Low Mileage - Driving fewer miles can earn lower rates on the low mileage vehicles.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will reduce your overall premium however.

To see a list of providers offering auto insurance discounts in Calverton, follow this link.

Calverton auto insurance quote

How to Buy Calverton Auto Insurance Online

There are several ways of comparing rates from local Calverton auto insurance companies. The best method to compare insurance prices is to perform an online rate comparison. This can be done in several different ways.

  • The best way to find low rates is to use a rate comparison form (click to open form in new window). This method saves time by eliminating repetitive form submissions for each company. One form compares rates from multiple companies.
  • A slightly less efficient method to get quotes online is going to the website for each individual company to complete a price quote. For sake of this example, let's say you want comparison quotes from , and . You would have to spend time on each company's site and enter your information, which is why most consumers use the first method. To view a list of companies in Calverton, click here.
  • The least efficient way to compare rates is to waste gas driving to insurance agents' offices. Shopping for auto insurance online has reduced the need for local agents unless you prefer the trained guidance of a licensed agent. You can, however, obtain prices from the web and still use a local agent. We'll cover that shortly.

Which method you use is up to you, but make darn sure you compare exactly the same coverage limits and deductibles for every company. If you enter different liability limits it will be impossible to decipher which rate is best in Calverton. Just a small difference in coverages may result in large price differences. And when comparison shopping, comparing more company's prices will improve the odds of getting the best rates.

Tips to Get Lower Calverton Rates

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get better auto insurance rates.

Listed below are a few of the "ingredients" used by your company to calculate your rates.

  • How many coverages with the same company - Most companies give discounts to insureds who carry more than one policy such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount you may still want to compare rates to verify if the discount is saving money.
  • Mature drivers pay less - More mature drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Youthful drivers are statistically proven to be more careless when driving and because of this, their auto insurance rates are much higher.
  • Your job and insurance rates - Did you know your occupation can influence how much you pay for auto insurance? Occupations like lawyers, architects and dentists have the highest average rates attributed to high stress levels and long work hours. Other professions such as pilots, historians and homemakers get better rates.
  • Safe vehicles cost less to insure - Safer cars are cheaper to insure. Safer cars protect occupants better and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders.
  • Liability coverage is cheap - Liability insurance is the protection in the event that you are found liable for personal injury or accident damage. It will provide for a legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.

But I don't know anything about car insurance

When choosing adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone's needs are different and a cookie cutter policy won't apply. These are some specific questions may help you determine if your situation might need an agent's assistance.

  • Do I need PIP (personal injury protection) coverage in New York?
  • What are New York no-fault laws?
  • Am I covered when driving in Canada or Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my personal policy cover me when driving my company car?
  • Is my nanny covered when driving my vehicle?
  • Are rental cars covered under my policy?
  • Am I covered if I wreck a rental car?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Auto insurance ads bend the truth

Companies like Allstate and Progressive constantly bombard you with ads on TV and radio. All the ads say the same thing about savings if you switch your coverage to them. How can each company claim to save you money?

Different companies have a preferred profile for the type of customer that is profitable for them. For example, a preferred risk might be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will be charged more money which usually ends up with the customer not buying. The ad wording is "people who switch" not "people who quote" save that much money. This is how companies can truthfully make those claims.

That is why drivers must get as many comparisons as possible. It's impossible to know which insurance companies will have the lowest rates.

The best insurance company isn't always the cheapest

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. Too many times, drivers have reduced uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Cheaper auto insurance can be found both online as well as from independent agents in Calverton, and you should compare price quotes from both in order to have the best chance of saving money. Some companies don't offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Calverton auto insurance comparison

Additional information can be found on the website for the New York Department of Financial Services through this link. Visitors are able to read consumer alerts, read enforcement actions against agents and companies, read industry bulletins, and find disaster information.